Income Tax Calculator UK — Calculate Your Take-Home Pay
Free UK income tax calculator for 2026-27 tax year. Calculate PAYE income tax National Insurance and take-home pay on any salary.
Understanding your UK tax liability is essential for salary negotiations budgeting and financial planning. The UK uses a progressive tax system with rates of 20% 40% and 45% plus National Insurance contributions. Scotland has different tax bands. Our calculator shows your exact take-home pay after all deductions giving you a clear picture of what actually hits your bank account each month.
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Key Information
| Parameter | Details |
|---|---|
| Personal Allowance | £12570 (income up to £100000) |
| Basic Rate (20%) | £12571 - £50270 |
| Higher Rate (40%) | £50271 - £125140 |
| Additional Rate (45%) | Above £125140 |
Calculate your UK take-home pay
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Use Calculator NowFrequently Asked Questions
What is take-home pay on £50000 salary UK?
On a £50000 salary in 2026-27 your take-home pay would be approximately £38400 per year or £3200 per month. This is after deducting £7486 income tax and £4114 in National Insurance contributions. Your effective tax rate is about 23.2%. Tax codes auto-applied via PAYE ensure most employees pay the correct amount automatically.
What is National Insurance and how much do I pay?
National Insurance is a UK tax that funds state pension and benefits. Employees pay 8% on earnings between £12570-£50270 and 2% above that. On a £40000 salary you pay approximately £2194 in NI. From April 2026 the employer NI rate is 15% which employers pay on top of your salary and does not affect your take-home pay directly.
What happens to Personal Allowance above £100000?
Your £12570 Personal Allowance reduces by £1 for every £2 of income above £100000. It disappears entirely at £125140 creating an effective 60% tax rate on income between £100000-£125140. This trap means earning £100001 can leave you worse off than earning £99999 if you do not use pension contributions or salary sacrifice to reduce taxable income.
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Last updated: 24 March 2026